TERMS OF SERVICE

Effective Date: August 10, 2025

Welcome to ChismesFinancieros.com (“we,” “our,” or “us”). By accessing or using our website, podcast, newsletters, and related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our Services.

1. Eligibility

You must be at least 18 years old or have parental/guardian consent to use our Services.

2. Informational & Educational Purposes Only

All content provided through our Services is for informational and educational purposes only. We do not provide financial, investment, legal, or tax advice. Any decisions you make based on our content are at your own risk. Always consult a licensed professional before making financial decisions.

3. User Conduct

You agree not to:

  • Use our Services for unlawful purposes.

  • Submit false, misleading, or harmful information.

  • Attempt to disrupt or hack our website or systems.

4. Intellectual Property

All content, including text, graphics, audio, video, logos, and designs, is the property of Chismes Financieros or its content providers and is protected by U.S. copyright and trademark laws. You may not reproduce, distribute, or modify our content without written permission.

5. User Submissions

By submitting comments, messages, or other content, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and distribute such content in connection with our Services.

6. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the content, privacy practices, or policies of those sites.

7. Disclaimers & Limitation of Liability

Our Services are provided “as is” without warranties of any kind. We make no guarantees about accuracy, completeness, or reliability. To the fullest extent permitted by law, we disclaim liability for any damages arising from your use of our Services.

8. Indemnification

You agree to indemnify and hold harmless Chismes Financieros, its affiliates, and team members from any claims or damages resulting from your use of the Services or violation of these Terms.

9. Changes to Terms

We may update these Terms from time to time. Continued use of the Services after changes are posted means you accept the revised Terms.

10. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of laws principles.

PRIVACY POLICY

Effective Date: August 10, 2025

Chismes Financieros (“we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website, podcast, newsletters, and related services (“Services”).

1. Information We Collect

We may collect:

  • Personal Information: Name, email address, and any information you submit via contact forms or newsletter signups.

  • Non-Personal Information: Browser type, IP address, device info, and usage data collected through cookies and analytics tools.

2. How We Use Your Information

We use your information to:

  • Provide, operate, and improve our Services.

  • Send newsletters, updates, and promotional content (you can unsubscribe anytime).

  • Respond to inquiries and support requests.

  • Analyze site traffic and usage trends.

3. Cookies & Tracking

We use cookies and similar technologies to improve functionality, personalize content, and analyze traffic. You can disable cookies in your browser settings, but some features may not work properly.

4. Sharing Your Information

We do not sell your personal information. We may share data with:

  • Service Providers: To help operate the site (e.g., email services, analytics).

  • Legal Requirements: If required by law or to protect our rights and users.

5. Data Security

We take reasonable measures to protect your personal information, but no online system is 100% secure.

6. Your Rights (California Residents)

If you are a California resident, you have the right to request access to, deletion of, or details about how we use your personal information under the California Consumer Privacy Act (CCPA).

7. Email Communications

By providing your email, you consent to receive communications from us. You may unsubscribe using the link provided in our emails.

8. Children’s Privacy

Our Services are not directed to children under 13. We do not knowingly collect information from children under 13.

9. Changes to This Privacy Policy

We may update this policy from time to time. We will post the updated version with the “Effective Date” at the top.

10. Contact Us

If you have questions about this Privacy Policy, contact us at:
Email: chismesfinancieroslv@gmail.com
Website: https://chismesfinancieros.com